Waterstone Bank SSB Mortgage Lending & HMDA Data, 2019
In 2019, Waterstone Bank SSB of Wauwatosa, WI reported 403 mortgage applications totaling $256.8 million, down 23% from 2018. The average application was for $637,320, and applicants reported an average income of $310,186. 61% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (184), Albuquerque, NM (14) and Minneapolis-St. Paul-Bloomington, MN-WI (14) (applications in parentheses).
| Mortgage Company & Address | Waterstone Bank SSB 11200 West Plank Court Wauwatosa, WI 53226 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 403 |
| Total Mortgage Loan Application Amount | $256,840,000 |
| Average Mortgage Loan Application Amount | $637,320 |
| Highest Mortgage Loan Application Amount | $11,405,000 |
| Average Applicant Income | $310,186 |
| Highest Applicant Income | $8,891,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Waterstone Bank SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Milwaukee-Waukesha-West Allis, WI | 184 | $ 105,870,000 | $ 575,380 | $ 232,000 |
| Outside any metro area | 34 | $ 29,350,000 | $ 863,235 | $ 179,551 |
| Albuquerque, NM | 14 | $ 4,590,000 | $ 327,857 | $ 127,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 14 | $ 8,370,000 | $ 597,857 | $ 305,000 |
| Orlando-Kissimmee-Sanford, FL | 13 | $ 7,945,000 | $ 611,153 | $ 276,000 |
| Phoenix-Mesa-Scottsdale, AZ | 13 | $ 7,055,000 | $ 542,692 | $ 171,000 |
| Dallas-Plano-Irving, TX | 10 | $ 5,110,000 | $ 511,000 | $ 260,000 |
| Santa Fe, NM | 9 | $ 6,275,000 | $ 697,222 | $ 185,000 |
| Atlanta-Sandy Springs-Roswell, GA | 7 | $ 3,065,000 | $ 437,857 | $ 163,000 |
| Salisbury, MD-DE | 6 | $ 2,410,000 | $ 401,666 | $ 162,000 |
| Oshkosh-Neenah, WI | 5 | $ 6,395,000 | $ 1,279,000 | $ 66,000 |
| Appleton, WI | 4 | $ 2,810,000 | $ 702,500 | $ 0 |
| Baltimore-Columbia-Towson, MD | 4 | $ 2,290,000 | $ 572,500 | $ 242,000 |
| Dover, DE | 4 | $ 1,220,000 | $ 305,000 | $ 78,000 |
| Raleigh, NC | 4 | $ 2,010,000 | $ 502,500 | $ 186,000 |
| Tulsa, OK | 4 | $ 1,130,000 | $ 282,500 | $ 244,000 |
| Green Bay, WI | 3 | $ 1,045,000 | $ 348,333 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 1,775,000 | $ 591,666 | $ 298,000 |
| Boise City, ID | 2 | $ 1,180,000 | $ 590,000 | $ 130,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 1,180,000 | $ 590,000 | $ 168,000 |
| Charlottesville, VA | 2 | $ 630,000 | $ 315,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 750,000 | $ 375,000 | $ 265,000 |
| Fond Du Lac, WI | 2 | $ 1,170,000 | $ 585,000 | $ 0 |
| Fort Wayne, IN | 2 | $ 5,050,000 | $ 2,525,000 | $ 0 |
| Janesville-Beloit, WI | 2 | $ 2,490,000 | $ 1,245,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 2 | $ 1,240,000 | $ 620,000 | $ 0 |
| Racine, WI | 2 | $ 770,000 | $ 385,000 | $ 149,000 |
| Rockingham County-Strafford County, NH | 2 | $ 810,000 | $ 405,000 | $ 178,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 1,425,000 | $ 712,500 | $ 362,000 |
| Tucson, AZ | 2 | $ 850,000 | $ 425,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 1,770,000 | $ 885,000 | $ 205,000 |
| Bend-Redmond, OR | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Cedar Rapids, IA | 1 | $ 805,000 | $ 805,000 | $ 8,891,000 |
| Chicago-Naperville, IL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Cleveland-Elyria, OH | 1 | $ 115,000 | $ 115,000 | $ 89,000 |
| College Station-Bryan, TX | 1 | $ 625,000 | $ 625,000 | $ 261,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 1,225,000 | $ 1,225,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Eau Claire, WI | 1 | $ 1,995,000 | $ 1,995,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 805,000 | $ 805,000 | $ 197,000 |
| Fort Worth-Arlington, TX | 1 | $ 235,000 | $ 235,000 | $ 104,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Jacksonville, FL | 1 | $ 175,000 | $ 175,000 | $ 7,000 |
| Kansas City, MO-KS | 1 | $ 745,000 | $ 745,000 | $ 240,000 |
| Las Cruces, NM | 1 | $ 715,000 | $ 715,000 | $ 719,000 |
| Lynchburg, VA | 1 | $ 1,145,000 | $ 1,145,000 | $ 324,000 |
| Madison, WI | 1 | $ 255,000 | $ 255,000 | $ 76,000 |
| Niles-Benton Harbor, MI | 1 | $ 905,000 | $ 905,000 | $ 8,891,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Richmond, VA | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Rockford, IL | 1 | $ 3,185,000 | $ 3,185,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 645,000 | $ 645,000 | $ 250,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 1,325,000 | $ 1,325,000 | $ 340,000 |
| Sheboygan, WI | 1 | $ 1,255,000 | $ 1,255,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 1 | $ 1,405,000 | $ 1,405,000 | $ 0 |
| Waterloo-Cedar Falls, IA | 1 | $ 2,075,000 | $ 2,075,000 | $ 0 |
| Wausau, WI | 1 | $ 7,605,000 | $ 7,605,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 95,000 | $ 95,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for Waterstone Bank SSB in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 327 | $183,510,000 | $562,000 | $4,465,000 | $336,000 | $8,891,000 |
| Cash-out Refinancing | 33 | $59,975,000 | $1,817,000 | $11,405,000 | $131,000 | $404,000 |
| Refinancing | 29 | $8,665,000 | $298,000 | $1,165,000 | $174,000 | $530,000 |
| Home Improvement | 8 | $1,370,000 | $171,000 | $455,000 | $245,000 | $968,000 |
| Not Applicable | 3 | $1,785,000 | $595,000 | $635,000 | $318,000 | $515,000 |
| Other Purpose | 3 | $1,535,000 | $511,000 | $1,005,000 | $950,000 | $950,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 217 | $165,145,000 | $761,000 | $11,405,000 | $0 | $0 |
| White | 135 | $68,590,000 | $511,000 | $3,465,000 | $365,000 | $8,891,000 |
| Black or African American | 19 | $7,875,000 | $414,000 | $975,000 | $189,000 | $324,000 |
| Not Provided | 17 | $8,925,000 | $525,000 | $1,145,000 | $169,000 | $391,000 |
| Hispanic | 7 | $4,355,000 | $622,000 | $1,325,000 | $290,000 | $761,000 |
| American Indian or Alaskan Native | 3 | $395,000 | $131,000 | $175,000 | $51,000 | $77,000 |
| Asian | 1 | $135,000 | $135,000 | $135,000 | $39,000 | $39,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 403 | $256,840,000 | $638,000 | $11,405,000 | $313,000 | $8,891,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 245 | $186,005,000 | $759,000 | $11,405,000 | $241,000 | $3,033,000 |
| Loan Purchased By The Institution | 74 | $20,060,000 | $271,000 | $675,000 | $0 | $0 |
| Application Approved But Not Accepted | 39 | $36,255,000 | $929,000 | $7,605,000 | $909,000 | $8,891,000 |
| Application Denied By Financial Institution | 25 | $8,540,000 | $355,000 | $1,415,000 | $130,000 | $692,000 |
| Application Withdrawn By Applicant | 12 | $4,040,000 | $336,000 | $1,205,000 | $147,000 | $370,000 |
| Preapproval Approved but not Accepted | 5 | $1,515,000 | $303,000 | $495,000 | $83,000 | $132,000 |
| Preapproval Denied by Financial Institution | 2 | $130,000 | $65,000 | $125,000 | $46,000 | $57,000 |
| File Closed For Incompleteness | 1 | $295,000 | $295,000 | $295,000 | $235,000 | $235,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 403 | $256,840,000 | $638,000 | $11,405,000 | $313,000 | $8,891,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Waterstone Bank SSB's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Waterstone Bank SSB's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.
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